See more : AJ Lucas Group Limited (AJL.AX) Income Statement Analysis – Financial Results
Complete financial analysis of Potomac Bancshares, Inc. (PTBS) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Potomac Bancshares, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Potomac Bancshares, Inc. (PTBS)
About Potomac Bancshares, Inc.
Potomac Bancshares, Inc. operates as the bank holding company for Bank of Charles Town that provides various banking products and services to individuals and businesses. The company offers checking, savings, and individual retirement accounts; and certificates of deposit (CD). It also provides personal loans, including new and used vehicle, home equity, unsecured home improvement and personal, retail equipment, and lot loans, as well as loans secured by CD, and home equity lines of credit; commercial loans for building or office purchases, commercial real estate and construction, and production and administrative equipment purchases; lines of credit; mortgage, term, residential and commercial construction, commercial real estate, and agricultural loans; and credit and debit cards. In addition, the company offers Card Pay, cash management, merchant, financial planning, trust and estate, investment management, wealth management, full-service brokerage, retirement and insurance planning and products, asset allocation and management, and college planning services, as well as telephone, mobile, and online banking services. It operates through nine full-service offices and one loan production office located in the Eastern Panhandle of West Virginia, Washington County, Maryland, and Loudoun County, Virginia. The company was founded in 1871 and is based in Charles Town, West Virginia.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 31.74M | 32.77M | 29.83M | 27.09M | 25.53M | 22.24M | 21.40M | 18.72M | 15.75M | 14.49M | 15.11M | 13.51M | 14.04M | 13.84M | 14.85M | 15.24M | 15.89M | 15.93M | 14.47M | 12.76M | 11.39M | 10.55M | 8.56M | 7.51M | 7.00M | 1.25M | 1.26M |
| Cost of Revenue | 79.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 31.67M | 32.77M | 29.83M | 27.09M | 25.53M | 22.24M | 21.40M | 18.72M | 15.75M | 14.49M | 15.11M | 13.51M | 14.04M | 13.84M | 14.85M | 15.24M | 15.89M | 15.93M | 14.47M | 12.76M | 11.39M | 10.55M | 8.56M | 7.51M | 7.00M | 1.25M | 1.26M |
| Gross Profit Ratio | 99.75% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 3.37M | 1.08M | 934.00K | 798.00K | 986.00K | 2.02M | 1.77M | 1.54M | 1.42M | 1.53M | 0.00 | 0.00 | 6.15M | 5.77M | 5.88M | 5.15M | 5.25M | 5.10M | 4.52M | 4.08M | 3.95M | 3.52M | 3.14M | 2.86M | 2.60M | 2.63M | 2.47M |
| Selling & Marketing | 396.00K | 296.00K | 238.00K | 217.00K | 367.00K | 369.00K | 289.00K | 186.00K | 126.00K | 7.24M | 0.00 | 0.00 | 0.00 | 137.00K | 176.00K | 266.00K | 246.00K | 297.00K | 281.00K | 222.00K | 228.71K | 201.20K | 166.78K | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 18.55M | 1.38M | 1.17M | 1.02M | 1.35M | 12.39M | 10.61M | 10.08M | 9.30M | 8.77M | 0.00 | 0.00 | 6.15M | 5.90M | 6.06M | 5.41M | 5.50M | 5.40M | 4.80M | 4.30M | 4.18M | 3.72M | 3.31M | 2.86M | 2.60M | 2.63M | 2.47M |
| Other Expenses | 0.00 | -6.28M | -5.71M | -5.24M | -5.33M | -4.88M | -4.45M | -4.29M | 0.00 | 0.00 | 0.00 | 0.00 | -22.45M | -17.27M | -24.59M | -17.93M | -15.86M | -14.99M | -13.59M | -12.26M | -11.47M | -10.41M | -8.69M | -7.50M | -7.20M | -1.52M | -1.00M |
| Operating Expenses | 22.39M | 6.28M | 5.71M | 5.24M | 5.33M | 4.88M | 4.45M | 4.29M | 11.82M | 11.27M | 11.70M | 11.10M | -16.30M | -11.36M | -18.53M | -12.52M | -10.37M | -9.59M | -8.79M | -7.96M | -7.29M | -6.69M | -5.38M | -4.64M | -4.60M | 1.11M | 1.47M |
| Cost & Expenses | 22.39M | 23.38M | 20.05M | 22.25M | 21.42M | 17.90M | 15.48M | 15.34M | 11.82M | 11.27M | 11.70M | 11.10M | -16.30M | -11.36M | -18.53M | -12.52M | -10.37M | -9.59M | -8.79M | -7.96M | -7.29M | -6.69M | -5.38M | -4.64M | -4.60M | 1.11M | 1.47M |
| Interest Income | 0.00 | 27.06M | 23.01M | 21.34M | 20.08M | 17.57M | 16.11M | 14.33M | 12.81M | 12.07M | 0.00 | 0.00 | 12.54M | 13.88M | 14.91M | 17.36M | 19.69M | 19.10M | 15.42M | 12.01M | 10.79M | 11.28M | 10.96M | 10.33M | 10.00M | 10.06M | 9.56M |
| Interest Expense | 0.00 | 2.79M | 2.42M | 3.50M | 3.78M | 2.70M | 2.12M | 1.76M | 1.51M | 1.28M | 0.00 | 0.00 | 2.90M | 4.14M | 5.12M | 6.48M | 8.16M | 6.93M | 4.14M | 2.41M | 2.23M | 2.82M | 3.76M | 3.97M | 4.20M | 4.40M | 3.71M |
| Depreciation & Amortization | -9.71M | 613.00K | 670.00K | 736.00K | 685.00K | 545.00K | 445.00K | 441.00K | -4.44M | -3.68M | -3.42M | -2.40M | 477.00K | 550.00K | 573.00K | 532.00K | 505.00K | 582.00K | 647.00K | 706.00K | 776.66K | 417.12K | 288.46K | 236.55K | 200.00K | 224.57K | 221.09K |
| EBITDA | -361.00K | -321.00K | -311.00K | -303.00K | -314.00K | 4.89M | 6.36M | 3.83M | -516.00K | 3.22M | 0.00 | 0.00 | -1.78M | 3.02M | -3.10M | 3.25M | 6.10M | 6.92M | 6.33M | 4.80M | 4.88M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | -1.14% | -0.61% | -0.64% | -0.54% | -0.47% | -1.06% | -1.53% | -2.64% | -3.28% | -3.15% | 0.00% | 0.00% | -12.70% | 21.85% | -20.90% | 21.31% | 37.96% | 43.45% | 43.74% | 43.16% | 42.85% | 40.60% | 40.48% | 41.34% | 37.14% | 206.44% | 234.79% |
| Operating Income | 9.71M | 9.59M | 9.97M | 4.99M | 4.23M | 4.58M | 6.25M | 3.88M | 4.44M | 3.68M | 3.42M | 2.40M | -2.26M | 2.47M | -3.68M | 2.72M | 5.53M | 6.34M | 5.68M | 4.80M | 4.11M | 3.87M | 3.18M | 2.87M | 2.40M | 2.36M | 2.73M |
| Operating Income Ratio | 30.60% | 29.26% | 33.42% | 18.40% | 16.58% | 20.60% | 29.19% | 20.72% | 28.21% | 25.37% | 22.60% | 17.80% | -16.10% | 17.88% | -24.76% | 17.82% | 34.78% | 39.80% | 39.27% | 37.63% | 36.03% | 36.64% | 37.11% | 38.19% | 34.29% | 188.49% | 217.18% |
| Total Other Income/Expenses | -361.00K | -199.00K | -192.00K | -145.00K | -120.00K | -236.00K | -327.00K | -494.00K | -446.00K | -445.00K | 0.00 | 0.00 | -477.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -369.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.40M | 0.00 | 2.73M |
| Income Before Tax | 9.35M | 9.39M | 9.78M | 4.84M | 4.11M | 4.35M | 5.92M | 3.39M | 3.93M | 3.22M | 3.42M | 2.40M | -2.26M | 2.47M | -3.68M | 2.72M | 5.53M | 6.34M | 5.68M | 4.80M | 4.11M | 3.87M | 3.18M | 2.87M | 2.40M | 2.36M | 2.73M |
| Income Before Tax Ratio | 29.46% | 28.66% | 32.78% | 17.87% | 16.11% | 19.54% | 27.67% | 18.08% | 24.94% | 22.21% | 22.60% | 17.80% | -16.10% | 17.88% | -24.76% | 17.82% | 34.78% | 39.80% | 39.27% | 37.63% | 36.03% | 36.64% | 37.11% | 38.19% | 34.29% | 188.49% | 217.18% |
| Income Tax Expense | 2.09M | 2.08M | 2.21M | 1.06M | 901.00K | 954.00K | 2.11M | 1.17M | 1.35M | 1.06M | 1.09M | 765.00K | -1.25M | 680.00K | -1.44M | 853.00K | 2.00M | 2.31M | 2.02M | 1.71M | 1.43M | 1.41M | 1.17M | 1.05M | 900.00K | 868.72K | 1.01M |
| Net Income | 7.26M | 7.31M | 7.57M | 3.79M | 3.21M | 3.39M | 3.81M | 2.22M | 2.58M | 2.16M | 2.33M | 1.64M | -1.01M | 1.79M | -2.24M | 1.86M | 3.53M | 4.04M | 3.66M | 3.09M | 2.67M | 2.46M | 2.01M | 1.81M | 1.50M | 1.49M | 1.72M |
| Net Income Ratio | 22.88% | 22.31% | 25.37% | 13.97% | 12.58% | 15.25% | 17.81% | 11.85% | 16.38% | 14.90% | 15.40% | 12.13% | -7.19% | 12.97% | -15.09% | 12.22% | 22.21% | 25.32% | 25.31% | 24.22% | 23.46% | 23.30% | 23.48% | 24.16% | 21.43% | 119.04% | 137.10% |
| EPS | 1.75 | 1.77 | 1.83 | 0.92 | 0.78 | 0.94 | 1.14 | 0.66 | 0.76 | 0.64 | 0.69 | 0.48 | -0.30 | 0.53 | -0.66 | 0.55 | 1.03 | 1.17 | 1.06 | 0.89 | 0.75 | 2.06 | 0.56 | 0.50 | 0.43 | 0.41 | 0.48 |
| EPS Diluted | 1.75 | 1.77 | 1.83 | 0.92 | 0.78 | 0.94 | 1.14 | 0.66 | 0.76 | 0.64 | 0.69 | 0.48 | -0.30 | 0.53 | -0.66 | 0.55 | 1.03 | 1.16 | 1.05 | 0.89 | 0.75 | 2.06 | 0.56 | 0.50 | 0.43 | 0.41 | 0.48 |
| Weighted Avg Shares Out | 4.15M | 4.14M | 4.13M | 4.13M | 4.13M | 3.60M | 3.34M | 3.35M | 3.39M | 3.39M | 3.37M | 3.41M | 3.39M | 3.39M | 3.39M | 3.40M | 3.42M | 3.45M | 3.46M | 3.47M | 3.57M | 3.59M | 3.60M | 3.60M | 3.50M | 3.60M | 3.60M |
| Weighted Avg Shares Out (Dil) | 4.14M | 4.14M | 4.13M | 4.13M | 4.13M | 3.60M | 3.34M | 3.35M | 3.38M | 3.39M | 3.37M | 3.41M | 3.39M | 3.39M | 3.39M | 3.40M | 3.43M | 3.48M | 3.49M | 3.47M | 3.57M | 3.59M | 3.60M | 3.68M | 3.50M | 3.60M | 3.60M |
BCT-Bank of Charles Town Welcomes Kaitlin Frisbie as Hedgesville, West Virginia Branch Manager
Potomac Bancshares, Inc. Reports 2021 Second Quarter Results
Potomac Bancshares, Inc. Declares Dividend
BCT Investments, a Division of Bank of Charles Town, Expands with New Team of Experienced Wealth Managers
BCT-Bank of Charles Town Launches "Pack the 'Pack" Donations Campaign with Its Backpack Program Partners For Local Food-Insecure Children
Susan Mitchell Joins BCT-The Community's Bank Advisory Board for Loudoun County, Virginia
Source: https://incomestatements.info
Category: Stock Reports